Building things of value takes time. There is no magic wand to wave to solve financial problems without a massive stroke of luck. Great practical examples of building solutions over time are the Superannuation Funds in Australia. Introduced in 1992 with an employer contribution rate at 3% and employee contribution rate at 1%, the percentage gradually rose. It was initially met with resistance. You can appear like a kill joy if you promote delayed gratification. If you promote living dramatically within your means. If you learn how to live on less, from those with less. Rather than learning how to feel bad about yourself, by looking at those with more. Financial Security is a team sport, and somehow you need to disconnect comparison with those who are not on the same team. Building Capital means developing internalised discipline not to spend money that appears to be there. It’s not “there”. It’s working. Allowing Capital time to work and grow unmolested is the path to financial security.
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